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Do I have to pay for someone to help me modify my mortgage?

You do not need to pay someone large sums of money to help you modify your mortgage. People who charge a lot of money in advance of any result may be violating the law.

Depending on your financial situation, U.S. Department of Housing and Urban Development (HUD)-approved housing counselors offer their services at little or no cost to you.

If you have paid someone to modify your mortgage before any results, you may also want to consult an attorney. If you need help finding an attorney, you can view this list of legal aid services in your state, or you can find lawyer referrals in your county and state by visiting the American Bar Association website .

Tip: Use our checklist for more information on how to avoid foreclosure.

Foreclosure prevention counseling and counseling services for homeless persons are available free of charge through HUD's Housing Counseling Program. Call the CFPB Consumer Hotline at (855) 411-CFPB (2372) to be connected to a HUD-approved housing counselor today or to submit a complaint with us. You can also submit a complaint online.